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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,226 | $46,877-33.4% | $122,354-74.5% | $70,124-55.5% |
| Participation rate | 58.7% | 58.2%+0.5pp | 71.6%-12.9pp | 69.5%-10.8pp |
| Annual return | 6.87% | 24.22%-17.4pp | 30.28%-23.4pp | 73.14%-66.3pp |
| Employer contribution / active EE | $614 | $1,288-52.4% | $4,051-84.8% | $2,342-73.8% |
| Participant deferral / active EE | $1,274 | $2,167-41.2% | $3,287-61.2% | $3,332-61.8% |
| Admin fee / account holder | $2,263 | $3,324-31.9% | $5,479-58.7% | $4,645-51.3% |